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Author: Botkins, Elizabeth Robison
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Botkins, Elizabeth Robison |
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Three Essays on the Economics of Food and Health Behavior Ph.D. Dissertation, Department of Agricultural, Environmental and Developmental Economics, The Ohio State University, 2017 Cohort(s): NLSY97 Publisher: ProQuest Dissertations & Theses (PQDT) Keyword(s): Alcohol Use; Body Mass Index (BMI); Insurance, Health; Smoking (see Cigarette Use) Permission to reprint the abstract has not been received from the publisher. My final essay evaluates how access to medical care can impact lifestyle choices. I evaluate if there is an ex ante moral hazard effect in health insurance markets. Ex ante moral hazard occurs when an individual takes on more risk knowing they will not bear the full cost of the consequences. In the case of health insurance, this could mean taking on unhealthful eating habits knowing that if these habits lead to illness the cost of care will be covered by insurance. Using panel data from the National Longitudinal Youth Survey 1997, I find evidence of an ex ante moral hazard effect in BMI, binge drinking, and smoking, suggesting that people take on less healthful behaviors, holding all else constant, when they have health insurance. The existence of ex ante moral hazard suggests that insurance companies can seek efficiency gains by finding ways to structure policies that diminish this moral hazard effect. |
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Bibliography Citation
Botkins, Elizabeth Robison. Three Essays on the Economics of Food and Health Behavior. Ph.D. Dissertation, Department of Agricultural, Environmental and Developmental Economics, The Ohio State University, 2017. |